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Bond ETFs
Fixed income plays a crucial role in most investors' portfolios because the asset class offers stability and income. On average, individual investors place more than 50 percent of their long-term savings in fixed income securities. That means proper fixed income ETF analysis and selection plays an important role in portfolio management.
Before choosing a fixed income ETF, an investor needs to decide (1) How much of their overall portfolio should be in fixed income, and (2) What type of fixed income ETF best suits their needs.
How Fixed Income ETFs Are Constructed
Some fixed income ETFs seek to track an index or underlying investment product. However, many bonds in indices are not liquid, meaning they do not trade on a regular basis. As a result, full replication of a traditional Bond Index like the Barclays Capital Aggregate Bond Index (which holds over 6,000 securities) is nearly impossible. That being the case, ETF managers attempt to reflect the risk and return characteristics of popular bond indices by sampling a basket of liquid securities that trade frequently and closely track the index.
Once a portfolio of bonds is created, the sampled portfolio is optimized and tested to see whether there is a significant difference in the past risk and return of the portfolio and the index the portfolio is trying to track. If the tracking error with the indexes is too high, bonds are replaced in the portfolio. The procedure continues until the portfolio's tracking error is within an acceptable tolerance. A successful sampling and optimization strategy should require only a few hundred bonds to bring the tracking error within an acceptable level.
Types of ETFs
The ETF fixed income market is composed of many types of securities. They include, but are not limited to, U.S. Treasury Bonds, Mortgage-backed Bonds, Municipal Bonds, Corporate Bonds, Junk Bonds, International Bonds, Convertible Bonds, Inflation-Protected Bonds, Short-Term Bonds, Intermediate-Term Bonds, Long-Term Bonds, Leveraged Bonds, and Inverse Bonds.
Bond indexes divide maturities into three ranges. Short-term indexes hold bonds that have an average maturity of 3 years or less, intermediate-term indexes hold bonds with an average maturity of 4 to 9 years, and long-term indexes hold bonds that have an average maturity of 10 years or longer. If an index has an average maturity of 5 years, it does not mean all bonds in the fund mature in 5 years. The bonds could mature from 1 year through 10 years or any combination thereof. Read the prospectus of the ETF you are interested in so you understand how the index is designed.
Interest Rate and Credit Risk
Bond index average duration is an important characteristic that investors should monitor. Duration is a measure of interest rate risk. If interest rates move higher, ETFs benchmarked to indices with longer durations will go down more in value than ETFs benchmarked to indexes that have shorter durations. In the long term, since there is more risk in long-duration bonds, you should expect indices with long durations to generate a higher total return than indices with a short duration.
Credit risk is a reflection of the financial strength of the issuer. The higher the credit risk, the greater the chance of a default, and the higher the interest rate needs to be to compensate for that risk. The credit risk of U.S. government and government agencies is low. Corporate bonds that are investment grade are higher, and at the top of the risk level are high-yield junk bonds. These funds invest in below-investment-grade debt because they have a higher probability of running into trouble.
The important point is this: as the duration of indexes increases and as credit quality decreases, the expected long-term return of a bond index increases to compensate for those extra risks.
Choosing the Right Bond ETF for You
As with any type of investment, bond ETFs have defined risk/reward characteristics. You should determine your own risk/reward profile for the ETF portion of your portfolio and then choose Bond ETFs that correspond to that profile. For example, if you want to minimize risk, you should choose a short-duration, government bond fund. If you're willing to take on maximum risk (within the Bond ETF market) in exchange for a higher return, you should choose a high-yield Corporate Bond ETF.
Investors in a high tax bracket might want to consider Municipal Bond ETFs because they can provide tax-exempt income and a steady income stream. While tough economic times and reduced tax revenues possibly might create difficulties for some states in re-paying municipal bonds,credit risk can be reduced by focusing on ETFs which invest in higher credit quality issuers.
Probably because fixed income instruments are generally not as volatile as stocks, most investors pay less attention to the fixed income side of their portfolio than stocks. But with ETFs now available on every duration and sector in the fixed income market, as well leveraged and inverse products, investors would be advised to at least understand the variety of Bond ETF products and how they perform in different interest rate and economic environments.


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After spending a couple years wandering in the ill-fated desert that was WiMax, Sprint has finally joined the Long Term Evolution (LTE) and flipped the switch on their new, shoulda-done-it-sooner 4G network. Sprint CEO, Dan Hesse, announced the July 15 as the go-live day a couple of weeks ago.
"The performance of both the 4G LTE and improved 3G networks are exceeding our expectations and we are pleased with the progress of the entire Network Vision program."
With the launch on July 15, Sprint will have debuted 4G LTE to millions of people in five major metropolitan areas with more market launches in 2012 to be announced later this year. By the end of 2013, Sprint expects to have largely completed the build out of its all-new 4G LTE nationwide network -- with an enhanced 3G network -- covering 250 million people across the United States.
Only they don't have any iOS devices to run on it.
Sprint does have the iPhone 4S, and the bank busting contract to prove it, but the iPhone 4S doesn't run on LTE anyway. The iPhone 4S only runs on Sprint's the slow-as-molasses-in-Winterfell CDMA network. We're talking 2-3 mbps, compared to HSPA 14.4 mbps networks on the GSM side. (Verizon has the same problem.)
What Sprint doesn't have is the new iPad, which does run on LTE networks, including AT&T and Verizon. But not Sprint. At least not yet. Whether or not that changes in the near or distant future, and whether or not deploying an LTE network factors into when and if it happens, only Apple and Sprint no for sure.
But for now, if you live in Kansas City, San Antonio, Dallas, Houston or Atlanta, and you just got Sprint LTE, you're going to have to go somewhere else to get a device to run on it.
That raises the question -- if the most popular smartphone in the world doesn't run on LTE, and the most popular tablet in the world doesn't run on Sprint's LTE, how important is it that Sprint is lighting it up today?
And how important is it that Sprint build it out quickly so that, come October and the iPhone 5, Sprint isn't the only U.S. iPhone carrier without an LTE iPhone on a strong, well deployed LTE network?
We may earn a commission for purchases using our links. Learn more.
Plan your day with Hour Blocks and its amazing iOS 14 Home screen widgets
Planning your day is no fun but sometimes you find an app that goes some way to making it less boring. Hour Blocks does a decent job and it looks lovely, too.
Scribble Together gets the coolest iOS 14 App Clip we've seen so far
Scribble Together has released its new App Clip for Scribble Together, which will allow users to collaborate on a Scribble Together whiteboard even if they don't have the app.
TikTok is being banned in the U.S. from Sunday, September 20
The U.S. Department of Commerce will ban TikTok and WeChat from U.S app stores from Sunday.
Pick the best Eufy RoboVac for you with our handy guide
Eufy makes some pretty compelling robotic vacuums and there are a lot to choose from. With a vast difference between the lower end, more affordable models and the smarter, connected, high end options, there are many factors to consider when deciding which model would be best for your household. We have compared the best of Eufy's RoboVac range here so you can find the right one for you.

subset: commoncrawl


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The AFL player participation pathway has been developed to ensure it contains the following principles:
This pathway provides a quality environment where young players can sequentially develop their skills through activities, games, match rules and conditions fitting their stage of learning and ability.
At the youth level, the talent pathway to becoming an AFL player begins to emerge through regional development squads that have the dual purpose of developing individual players abilities and preparing teams to participate in state championships at under-14 level and above.
Australian football coaches who are coaching at youth level should have a good understanding of the AFL participation and talent pathways. All players with whom they are working are part of those pathways and many will be dreaming of becoming AFL players. An understanding of the workings of the pathway and the processes used to identify and develop talented players are important tools for all youth coaches.
The AFL Rising Stars section of this policy includes elements of the evaluation process that are integral to the talent pathway and coaches may wish to use some of them, perhaps in modified forms, in their coaching programs.


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Lee DeWyze's debut single as the new "American Idol" had a not-so-"Beautiful" chart landing.
His cover of U2's "Beautiful Day" arrived at No. 24 on the Billboard Hot 100 in its first week.
VIEW THE PHOTOS: 'Idol' On Access: Lee DeWyze In The Studio!
U.S. & World
The star did better on the Digital Songs chart, where he notched 95,000 downloads to land at No. 12. "Idol" runner-up Crystal Bowersox sold 49,000 downloads of her cover of Patty Griffin's "Up To the Mountain," earning the No. 32 spot on the digital chart.
The numbers marked a downward trend from the chart debuts of last year's "Idol" stars.
VIEW THE PHOTOS: Season 9 'Idols' On Access Hollywood
Season 8 winner Kris Allen notched 134,000 downloads of "No Boundaries" last year in that track's debut week, while runner-up Adam Lambert sold 115,000 copies of the Tears for Fears cover "Mad World" – with both landing in the Hot 100 top 10.
The week's chart hits came instead from more established singers, with Usher and Will.i.am's "OMG" at No. 1 and Katy Perry and Snoop Dogg's "California Gurls" at No. 2.
Copyright 2010 by NBC Universal, Inc. All rights reserved.
This material may not be published, broadcast, rewritten or redistributed.
VIEW THE PHOTOS: Lee's Big Night & Simon's Goodbye: 'American Idol' Season 9 Finale!
Related Content from AccessHollywood.com:
VIEW THE PHOTOS: 'Idol' Recap: The Final 4 Go To The Movies
PLAY IT NOW: The Day After 'Idol': Catching Up With Lee DeWyze
PLAY IT NOW: From 'Idol' To Access: Lee DeWyze Performs U2's 'Beautiful Day'
More from Access: [ Lee DeWyze American Idol Crystal Bowersox ]


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News & Notes: Game 67
Thursday, June 16, 2011 (7:15 p.m.) – Harbor Park
Radio: WWKB AM 1520, bisons.com
Buffalo Bisons (27-40, 6th(-15.0), North)
RHP Chris Schwinden (3-3, 3.34)
Norfolk Tides (25-40, 4th(-10.0), South)
LHP Chris George (2-3, 4.59)
TODAY'S GAME: Tonight, the Bisons take on the Norfolk Tides in the first game of a four-game series from Harbor Park (7:15 p.m.). Tonight's game begins an eight-game roadtrip as the Herd will also travel to Durham, June 20-23. Buffalo is coming off a 1-7 homestand that included a four-game sweep at the hands of the Columbus Clippers.
VS. THE TIDES: Tonight's contest is the Bisons first game against Norfolk this season. The Herd has fared extremely well in Virginia since returning to the International League in 1998. In 13 seasons, Buffalo has lost just one series at Harbor Park (2004: 2-3). Overall, the Bisons are 35-17 at the Tides' home ballpark, good for a .673 winning percentage. Dating back to 2009, Buffalo has won five of its last seven games in Norfolk.
SCHWING AND MISS: RHP CHRIS SCHWINDEN will make his 12th start of the season, matching him with RHP JOSH STINSON for the team-high. Schwinden leads the Herd with a 3.34ERA and 50 strikeouts. The righty is winless in his last four starts. He's coming off a no-decision against Columbus on June 11 where he allowed three earned runs in 5.2 innings of work.
EVANS ALMIGHTY: INF NICK EVANS has returned to the Bisons today. He was designated for assignment by the Mets on June 9 after going hitless in eight games with New York (0-12, 5BB). Evans had a five-game hit streak with the Bisons before his promotion on May 18. To make roster room, INF CHIN-LUNG HU was placed on the disabled list with a left hand contusion.
GET FIGGY WITH IT: INF LUIS FIGUEROA enters tonight's game on a 10-game hit streak. Since June 5, the infielder has averaged an even .394 (13-33) with nine runs scored. During the streak, Figueroa has also drawn 11 walks and now has 18 free passes to only 11 strikeouts in 32 games with the Herd. Figueroa has posted a .458 on-base percentage when leading off an inning.
BISONS BITS: INF MICHAEL FISHER brings a nine-game hit streak into tonight's game. The Triple-A rookie has averaged .278 (10-36) since June 6…RHP RYOTA IGARASHI has allowed just one run in his last eight outings (10.1IP).
METS UPDATE: The Mets (34-34) shutout the Braves last night, 4-0, to reach the .500 mark. Former Bisons RHP DILLON GEE tossed four shutout innings before the rains came and forced a two hour and 33-minute delay. OF ANGEL PAGAN hit a two-run homer in the win. New York looks for the sweep tonight at 7:10 p.m.


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Our extension chains with cute heart detail add up to 60mm onto necklace or bracelet designs. Extremely helpful for alleviating the stress of accurate bracelet/ necklace sizing.
Delivery starts from as little as 95p (First Class only £1.95) and we aim to dispatch all orders within 48 hours.
Free First Class delivery is available for UK orders over £25 and free Courier delivery for UK orders over £150.
Want your order quick? Try our Next Working Day delivery service for £6.50, guaranteeing your order for the next working day if placed before 10am.
We also ship internationally from as little as £3.00, simply select your country at the checkout. Is your country not listed? Contact us and let us know!
Click here to find out more about our Delivery Prices and services.
We pride ourselves in offering a high level of customer service (and love to talk about beads!) so feel free to get in touch. Our friendly customer service team is available Monday to Friday 10am-1:30pm. If you would like to speak to us in person, you can call us on 0161 274 4040. Alternatively, please email us at email@example.com or click here to contact us via our contact form.
We look forward to hearing from you!


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Gearing up for Films & Festivals in 2016
Prepare your skullz for the return of Night Shade!
Night Shade is a group of artists rebelling against traditional flat-surface silhouettes and revolutionizing the ancient art of shadow puppetry by using light to manipulate depth and space. This Portland-based art group blends hand-held lights, masks, puppets, composed music, sound-effects, and experimental storytelling into a bewitching form of cinematic puppetry that flows like film. The Hand is the side of the group focused on practical rod puppets and video.


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Leisure Suit Larry is Back! (Almost)
Just a week later and Leisure Suit Larry is almost fully erect.
The Kickstarter remake of Leisure Suit Larry in 'Land of the Lounge Lizards' just broke $250K with the support of 6,000 backers, making it halfway to its $500k goal. With 22 days left in the campaign, it's almost a certainty that we'll see the return of the sex-crazy game star.
Larry creator Al Lowe made this YouTube video to answer some questions about the project.
After listening to requests from the financial backers, creators also decided to lower the prices of some of the reward tiers. Want to appear in the game? If you have five grand you can appear in any of the levels of the game. The bar is already sold out but you can still appear in the Disco or as a convenience store patron that calls Larry a pervert. Pricey, but can you really put a price on video game immorality?
Anyone with thoughts on the game can head over to Replay Games' new Larry forum where they're taking customers inquires and answering them back personally.
[Via Kickstarter]


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|Tue 4 Nov 2008–Wed 5 Nov 2008, 7:00pm–10:00pm
Export Gold presents the only authentic Westie Quiz night in Auckland.
Get down to the Hangar to experience the Unique Comedy of Ewen Gilmour and test your knowledge against the Best in the West.
Before you go, would you like to subscribe to our free weekly newsletter with events happening in your area, competitions for free tickets and CD giveaways?
No thanks - I'm already an Eventfinda member (or I don't want to join)
Enter your email below, click on the Sign Up button and we'll send you on your way
Continuing confirms your acceptance of our terms of service.


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Hydrasoft Toric 3pk Product Information
Didn't think you could wear soft contacts because of your out-of-the-ordinary astigmatic eye? Well think again, because Hydrasoft Toric soft contact lenses are made for people just like you. Hydrasoft Toric is a lens that's custom made to your exact specifications for optimal vision correction, something that used to be only available in a hard contact.
- Manufactured by CooperVision
- For a quarterly replacement schedule, order the 3-pack plus the single vial.
- The 3-pack by itself does not carry a warranty and is therefore not returnable.
Astigmatism is a condition where the cornea is irregularly shaped causing distorted vision. A toric lens is specially shaped and designed to provide 2 different powers to the eye to correct this vision problem. Hydrasoft toric is made with methafilcon B, a material that's 55% water, thus providing good comfort and clear, stable vision. It is available in higher cylinder powers so it is a good choice for people with high amounts of astigmatism.


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The Knicks were in Chicago last night to play the Bulls. Both teams acquitted themselves well. The same can't be said for at least one of the fans at the United Center. That would be the soon-to-be-identified little bastard in this video. The video quality is crappy, but it looks like the bastard is hawking beaucoup amounts of phlegm into his palm in advance of slapping hands with Knicks players as they make their way out of the tunnel before the game. Jeremy Lin appears to be the primary target. I can't read the Chinese characters in the YouTube comments but I imagine several of them translate to one comment that I can read: "You bastard, Caucasian dog."
(h/t Jeffrey A.)


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High in fiber, potassium and vitamin B6, figs also contain iron, calcium and Vitamin A. Shaped like a hot air balloon, the small fruit is steeped in the history and ritual of ancient cultures with archeological remnants dating back to 5000 B.C.
Taste test figs and learn how to use them at a free demonstration 11 a.m.-1 p.m. Friday, Nov. 30 at Island Naturals Market and Deli. Chef Rob Love of the Mauna Kea Beach Hotel will offer free fruit samples and use Maui Gold pineapple to prepare Pineapple-Wrapped Figs with Goat Cheese.
Ken Love, president of the Hawaii Tropical Fruit Growers (HTFG), will be on hand to answer horticulture questions.
The fruity fig fun is presented by the statewide HTFG, whose members are growing ultra-exotic tropical fruits. These not-so-well-known edibles — like figs, Surinam cherry, jackfruit, ulu, abiu, durian, white sapote, soursop and jaboticaba — are among a growing number of odd fruits that are intriguing island chefs and shoppers.
"Figs are drought tolerant and many varieties can be grown in Hawaii's microclimates," Love said. "They can be enjoyed fresh, poached or as a component in recipes. Figs lend themselves to a wide variety of value-added products."
HTFG is working to build markets for these juicy rarities through a series of free public taste tests and culinary demonstrations at stores on four Hawaiian Islands throughout 2012.
One dozen educational demonstrations are planned and participating stores will stock the fruit in their produce sections, accompanied by recipes and additional fruit information to take home.
"At Island Naturals, we strive to continually increase our local food offerings," said Russell Ruderman, president and founder of Island Naturals. "We work with farmers and food producers to develop new offerings, and support new local products with our best prices, signage, shelf placement and demos. Local food keeps money in our local economy, supports agriculture in Hawaii, reduces the carbon footprint, and moves us toward a sustainable society. It also supports your friends and neighbors, and puts healthier food on your table."
Titled "New Markets for Ultra-Exotic Fruits," the event series is funded by the Hawaii Department of Agriculture through a USDA competitive grant program to foster small farm sustainability.
For further information, contact Love at firstname.lastname@example.com or 969-7926.
Incorporated in 1989 to promote tropical fruit grown in Hawaii, HTFG is a statewide association of tropical fruit growers, packers, distributors and hobbyists dedicated to tropical fruit research, education, marketing and promotion.
— Find out more:
Pineapple-Wrapped Figs with Goat Cheese
Chef Rob Love, Mauna Kea Beach Hotel
1 Maui Gold pineapple
1lb. local goat cheese or cheve
1lb. figs local figs
1/4cup sherry vinegar
1/4cup sugar
1 bunch green onion
Cook figs, vinegar and sugar to a boil and let cool and mix to make compote.
Peel pineapple and slice in very, very thin circles. Cut onions the length of pineapple circle.
On a flat slice of pineapple, add a tablespoon of cheese and pinch of salt. Place 1 pc green onion and teaspoon of compote. Wrap and let set before slicing.
Garnish with additional compote and mint or basil leaves.


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Apply to our S.J.D. program and prepare for a distinguished academic career in law.
The Doctor of Juridical Science (S.J.D.) Degree Program is designed for those seeking to pursue careers as teachers and scholars of law. This highly selective program is open only to applicants who possess a distinguished prior academic record in law, show promise of outstanding scholarship, and demonstrate a high potential for completing a scholarly dissertation of required quality. Applicants must hold a J.D. degree or foreign equivalent and an LL.M. degree (or be enrolled in a program leading to an LL.M. degree). Applications must include or be accompanied by, inter alia, a detailed statement of research purpose and a letter from a UCLA faculty member attesting to the importance of the applicant's proposed research and agreeing to assume full responsibility for supervising the program of study.
The S.J.D. Program provides a unique opportunity for outstanding international law graduates to study at the UCLA School of Law. In the fifty years since its foundation, UCLA School of Law has grown to an institution of about 950 students and approximately 100 full and part-time faculty members. It is recognized by academic surveys to be among the twenty best law schools in the United States. The school is particularly noted for the unsurpassed expertise of its faculty, whose intellectual strength is balanced by commitments to improved instructional programs and an active recognition of social responsibilities.
UCLA is the premier university in the Los Angeles metropolitan area, a dynamic, cosmopolitan cultural center of more than ten million people. A vital part of the nine-campus University of California system, UCLA has reached national prominence in a variety of disciplines and consistently ranks in the top half-dozen universities in the nation, judged by its academic peers and in terms of fellowships and grants awarded. UCLA now has over 37,000 students enrolled in 13 schools and colleges, 69 departments, and 23 research units. Its 19 libraries hold approximately 7.5 million volumes.
Our distinguished law faculty help prepare these students across an extensive range of law subjects -- using a variety of effective and often interdisciplinary approaches to teaching -- for outstanding careers in academia, transactional and litigation practices, government, international and domestic public policy, business, and nonprofit public interest arenas.
Those who ultimately join us can look forward to a promising future for themselves and for those whom they will teach, inform, and represent.


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SMF - Just Installed!
You know Ronin, you have to grind a bit before you can level up.
Yes, Akasha. I'm a finn.
Keaoden: I get that ALL the time. Especially from my own friends.
Quote from: CrystalDragonSpaceMarine on May 12, 2009, 05:00:20 pmKeaoden: I get that ALL the time. Especially from my own friends.I didn't want to acknowledge it at first, but this actually was funny.
oh so wait you were serious?I just assumed it was because irl you act like you do here, which seems to involve intentionally evoking animosity.so I thought that was a joke, forgive me
Mildly negative pessimist = disliked.Impossibly negative pessimist = endearing.
Quote from: CrystalDragonSpaceMarine on May 13, 2009, 10:36:50 pmMildly negative pessimist = disliked.Impossibly negative pessimist = endearing. Yeah so I'm tempted to call you out on that one. I guess since this is the shrink's sofa it's ok?Mildly negative pessimist = doesn't get attentionImpossibly negative pessimist = gets attentionit's true though!
That theory holds true for Most emotions that can be conveyed.
Oh you would think that now wouldn't you. Talk to any registered sex offender.


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Belgrade Regional Health
Bethel Family Health Center
Bingham Area Health Center
Lovejoy Health Center (Albion)
Family Medicine
Area Health Center
Valley Health Center (Coopers Mills)
Strong Area
Health Center
Western Maine Family Health Center (Livermore Falls)
HealthReach Community
Health Centers is a group of eleven Federally Qualified Health Centers in
Central and Western Maine. Dedicated providers deliver high quality medical and
behavioral health care to citizens in over 80 rural communities. To ensure access
for everyone, HealthReach accepts Medicare, MaineCare and major insurances. In
addition, an Affordable Care Program is available to uninsured and underinsured
residents as well as assistance with applications for programs that help with
the cost of health care and medications including the Health Insurance
Marketplace. A private, non-profit with
a 43-year history, HealthReach is funded by patient fees, grants and by the
Health Resources and Services Administration (HRSA) of the U.S. Department of
Health and Human Services (HHS).


text: My 2008 328xi is hitting the 40,000 mile mark. I need to decide if I should purchase the extended maint and extened warranty plans. The extened main. plans seem to run about $2145 for an additional 2 yrs or 100,000 miles. The extended warranty seems to run between $5,500-$3090 depending on the dealer. Not sure why there is such a big price difference considering they are all suppose to be through BMW. The higheset price seems to be from the dealer where I actually bought the car and the same dealer in 2 different locations is quoting me two different prices, with a difference of about $2000. Looking to see what othere have paid and what questions I should be asking about the coverage. thanks for any feedback


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The San Antonio Ledger and Texan. (San Antonio, Tex.), Vol. 11, No. 1, Ed. 1 Saturday, July 6, 1861
Description: Weekly newspaper from San Antonio, Texas that includes local, state and national news along with advertising.
Date: July 6, 1861
Creator: Dashiell, J. T.
Item Type: Refine your search to only Newspaper
Partner: The Dolph Briscoe Center for American History


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Friday 25 January
|Puma (1)
Other than man, the large, slender puma (Puma concolor) has the greatest natural distribution of any terrestrial mammal in the Western Hemisphere (5). The puma, also known as the cougar, mountain lion and panther, is powerfully built and extremely agile. These cats are characterised by a long body with unusually long hindlimbs, thought to be an adaptation to bursts of high-speed running and jumping, used to chase and ambush prey (5) (6). The cat has a long neck, a small, broad head, short, rounded ears that are black on the back, and a long, cylindrical tail with a black tip (5) (6). The coat is of uniform colour, hence the Latin name, concolor, varying from silvery-grey through tawny-yellow to light reddish brown (3) (7). The throat, chest and belly are a pale buff to whitish colour (8) and the sides of the muzzle are framed in black (5). Faint horizontal stripes may occasionally be seen on the upper forelegs, and melanism has been widely reported though not confirmed (3) (5). Young kittens are spotted, with blue eyes (3). Males rarely weigh more than 100 kilograms, and depending on sex and age, tend to be larger in the north of their range (3), and the coat is generally longer to insulate against extreme temperatures (7).
Pumas are solitary cats, with the exception of one to six day associations during mating periods and contact between females and their young (8). Males occupy large territories that overlap those of several females; the boundaries of the territory are marked by scrapes left in prominent positions (3). Females advertise their receptivity to mating with loud scream-like calls (5). Mating occurs year-round, but is concentrated from December to March in northern latitudes (8). The female gives birth to her litter of between one and six kittens within a den; the kittens are initially blind and helpless, remaining in the den whilst their mother forages for food (3) (8). At around two months of age they are able to accompany their mother on hunting forays and remain with her until around 1.5 to 2 years old (9).
Pumas are primarily nocturnal and crepuscular, being most active at dawn and dusk, and rarely emerging in the day (3). These agile yet powerful cats hunt by stalking and ambushing their prey (6). Pumas predominantly feed on ungulates, but are known to occasionally take smaller prey (10). In the northern areas of their range, they feed primarily on large ungulates, including elk and occasionally domestic cattle, whereas in tropical areas their diet seems to consist of more medium-sized prey (10).
Widespread, ranging from areas in Canada, down through the United States, south to Central and South America. However, the pumas' range has greatly retracted, having been eliminated from the almost the entire eastern half of Northern America following European colonisation (1).
The mammals is highly adaptable, found in a diverse range of habitats, from arid desert to tropical rainforest to cold coniferous forest, from sea level up to 5,800 metres in the Andes (3) (5). Studies have shown that habitat with dense understorey vegetation is preferred, but these cats can also live in open areas with sparse vegetative cover (3). Although terrestrial, pumas can swim and climb trees when they need to (5).
The mammals is classified as Least Concern (LC) on the IUCN Red List (1), and listed on Appendix II of CITES (3). Subspecies: Puma concolor coryi (Florida puma), P. c. couguar (Eastern puma)and P. c. costaricensis are listed on Appendix I of CITES (4). A number of other subspecies exist, but are not classified separately on the IUCN Red List.
Across their range, mammalss have been considered a threat to livestock and persecuted because of this (1). Indeed, the U.S. Fish and Wildlife Service estimate that a minimum of 66,665 pumas were killed between 1907 and 1978. Additionally, pumas are one of the few large predators in Northern America that it is legal to hunt for sport and chase with dogs (5). This species is particularly vulnerable because it takes to trees when hunted, effectively becoming trapped (3). Pumas are also considered a potential danger to humans, especially children (8), although pumas almost never attack people (5). With people settling in more remote areas and with legal protection of the cat, the potential for conflict between humans and pumas arises, and there is a concern that pumas will lose their fear of being close to humans. In California and Florida, many animals are killed by vehicles as heavily travelled roads divide populations and even the home ranges of individual pumas. Loss and fragmentation of habitat also poses significant threats to the puma's future survival, resulting in the serious problem of reduced genetic diversity associated with inbreeding, which in turn reduces resistance to disease or environmental change, and adversely affects fertility (7).
The mammals is protected over much of its range. Hunting is prohibited in Argentina, Brazil, Bolivia, Chile, Colombia, Costa Rica, French Guiana, Guatemala, Honduras, Nicaragua, Panama, Paraguay, Suriname, Venezuela and Uruguay, and hunting regulations exist in Canada, Mexico, Peru and the United States (1). However, there still remains no legal protection in Ecuador, El Salvador, and Guyana. Recently, the Florida puma has been declared extinct in the wild (9). Remaining viable tracts of habitat are being conserved and connected by corridors, and the impact of a major highway has been lessened by the construction of underpasses for the safe travel of pumas in the area (9). In 1995, wildlife managers controversially introduced several female pumas from Texas into Florida in an effort to increase genetic diversity. This is thought by many to have alleviated a number of problems associated with inbreeding amongst Florida pumas (6). The levels of prey species are being monitored, wild pumas have been vaccinated against diseases and a captive breeding programme has been established (1). Fortunately, despite conflict with ranchers and concern over the dangers pumas may pose to humans, there appears to be strong overall public support for the cat in North America. The fact that there is a genuine desire by many people to find ways to coexist with the puma is an encouraging step towards promoting positive conservation actions and protecting this beautiful cat (3).
For more information on the puma:
Authenticated (14/02/2008) by Dr. John Laundre, Senior Researcher, Instituto de Ecologia, A.C., Durango Regional Center. Mexico.
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This blog posting is a follow-up to my March Investment Advisor column "Diamonds in the Rough," about our radical reorganization of advisors firms into what we call "Diamond Teams." These are groupings of four advisors, led by a senior advisor, with two lead advisor, and one associate at the bottom (think baseball diamond). Each team handles its own group of clients, with the lead advisors freeing their senior advisor to spend the majority of his or her time rain making, and the associate sitting in on every client meeting, taking notes and writing reports of necessary follow-up work.
To recap, we initially created Diamond Teams to solve the chronic problem of training younger advisors to work directly with clients, which they do amazingly well. But we also found that this structure also solved many other challenges faced by independent advisory firms, including:
- creating a clear career path for young advisors
- a succession plan for lead advisors
- a exit strategy for owner-advisors.
This team approach also raised productivity and tied clients more tightly to the firm. Perhaps the most important unintended benefit of Diamond Teams, however, is that it creates a huge advantage for firms in the currently hotly competitive market for recruiting young advisors.
This recruiting advantage was demonstrated again following the publication of my column. As you might imagine, nearly every time I write something I get email comments from readers. However, after my Diamond Teams column I received an all-time record number of emails about the piece—more than 250. The mostly astonishing thing (to me, anyway) is that 90% of those emails came from younger advisors asking how to find Diamond Team firms to work for. It's possible that I underestimated the recruiting power of Diamond Teams, which also leads me to believe that the entire advisory industry has underestimated the demand for, and the need to create, better programs to train young advisors to work with clients, sooner.
In my experience, a larger part of this problem is that most owner-advisors don't hire young advisors with an eye toward training them to work with clients. Instead, they see associate advisors in much the same way they do other employees of the firm: their job is to provide leverage to increase the productivity of the senior advisor. Now don't get me wrong, there's nothing inherently wrong with this model. In fact, I work with some solo practitioners who use this model to generate more than $1 million in revenues a year.
But to make the solo model work, you need to find an associates who have no aspirations of ownership or of working with their own clients; The problem is that those folks are very few and far between. What usually happens is that the firm experiences what has become an industry norm: ridiculously high turnover rates which sap both profitability and the time and energy of the owner-advisor, who must recruit and train new associates over and over again.
What these—and most—firm owners fail to realize is how much they are leaving on the table in terms of revenues, profits and the quality of their owner lifestyle by not training associate advisors to work with clients as quickly as possible. I'm not talking about shortcutting training. Rather, I'm talking about much better training to create great advisors who can deliver great client service. I'm also talking about years of training: but two years, not five or 10 years.
It's becoming increasingly clear that firms that have well-designed programs to train young advisors to work with clients, and a clear structure that shows where those clients will come from and the timeframe involved, will have their pick of the best candidates coming out of financial planning schools or other firms in what we are seeing as a crisis level talent shortage right now. Moreover, they can pay these "blue chip" associates a competitive, but not a ridiculous, salary. The combination of lower turnover, lower recruiting costs and reasonable comp will by themselves markedly improve a firm's bottom line. Add in better-leveraged rainmakers and a pipeline of qualified advisors to handle new clients, and advisory practices suddenly become real businesses.
Finally, I didn't previously plan on doing this, but as a result of the record number of people who emailed me about our Diamond Team model and research, we decided to write a detailed white paper on how to create them. It will be released mid-May. To request an advanced copy you can email us at [email protected].


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News of the day
Comments on recent news items:
•Internet activist Aaron Swartz committed suicide rather than face possible incarceration. Was the prosecution over-zealous? Probably. Are they to blame for his suicide? No. The only person to blame for a suicide is the person committing it. Yes, we should fight bullying, even by those with the full prosecutorial powers of the federal government. But in the end, we are all responsible for maintaining our existence on this earth.
•President Obama's press conference yesterday was pitch perfect. Raising the debt limit is a formality required to pay bills already incurred by Congress. It is not negotiable. His stance is admirable and correct, and I hope he maintains it.
•Frontline on PBS has a documentary which I hope to see soon. I details how prominent Republicans decided to oppose President Obama on everything he put forth, no matter what the good of the country–– even if that meant opposing measures they used to support. If it came from President Obama, they opposed it. That was their fundamentally treasonous position. They put the good of party ahead of the good of country. And they're still doing it!
•Gun nuts are looking pretty stupid as they attempt to defend the right of everybody to own assault weapons in the wake of recent gun violence. The extremism of the National Rifle Association and the craven capitulation of Congress to their wishes has never been more evident. Let's hope that we can at least go back to the common sense of the assault rifle ban. It is clear that people who get their undies in a bundle over this, such as the talk show host Alex Jones, are just plain unstable.
Do you know that there was a time that the NRA strongly advocated stricter gun control laws? It was in the late-1960s when Black Panthers were defending their right to bear arms. That gives you an idea what the organization is all about.
•For some reason, I think the tide has turned recently in the policy debate between belief and science, a debate which never should have happened. Science needs to win if we are to survive. People who deny basic scientific evidence in favor of silly religious dogmas should not be reputable. There is plenty of room in the more rational branches of religion to admit the most recent scientific evidence, yet we continue to see people denying climate change, denying evolution, opposing stem cell research, denying anything, generally speaking, that might result in them leading a less piggish lifestyle. Ironically, they see continuance of their piggish and consumptive lifestyles as their right as so-called Christians! Drill, baby, drill! Jesus demands it!


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North Beach Stories with Ray Hanna
From the streets of North Beach and beyond—all the sleaze, drugs, trailblazing strippers, and punks acting out, Timothy Leary performing at a Broadway nightclub, sheer rock-and-roll madness at the Mabuhay—all in a night's work in Hanna's world.
Why a Beat Hotel?
Update: Circumstances have changed, and this fundraising campaign has ended. Learn more… Ever since we went public with Michael Palumbo's initial sketch of what a new Beat Museum building at 580 Green Street might look like, the feature that seems to inspire the greatest curiosity is the suggestion of a Beat hotel. Sure, it might […]
MetroActive: "Tech Bros Forget Beat Generation's Imprint"
Last week, I slithered back into the Beat Museum in San Francisco, arriving by sheer chance. Turns out the museum is currently angling to raise a cool few million so it can buy a new facility up the street. Within minutes, director Jerry Cimino and I found ourselves venting—er, contemplating—the current generations of tech in […]
The Beat Generation Bagel Shop That Didn't Sell Bagels
Extra Crispy's Judy Berman offers an illuminating scoop on the Coexistence Bagel Shop
Beat Generation Legacy Fund – Advisory Board
The following people believe a permanent Beat Museum in North Beach is an idea worth pursuing.
Harold Adler's Photos of Demonstrations for The Living Theatre
As a photographer for the Berkeley Barb, Harold Adler covered protests on behalf of imprisoned members of The Living Theatre in Union Square.
First Appearance of Kerouac in Russia, 1960
Wherein we're gifted a rare 1960 book of 'foreign literature' translated into Russian, and containing excerpts from On the Road.
The Beat Museum Presents: The Living Theatre
Founded in 1947 by Julian Beck and Judith Malina, The Living Theatre brings their powerful performance of "Seven Meditations on Political Sadomasochism" to SF.
Preserving the Legacy of the Beats in San Francisco
We're launching a fundraiser for a permanent North Beach home
Neal Cassady: The Monsignor's Godson
From the streets of Denver to the cells of San Quentin, the files of Monsignor John Harley Schmitt.
The Beat Museum Presents: Harold Norse Centennial


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To give you an update about whats been happening at The Dainty Baker is just one word - "Weddings". It's definitely that time of year! .. and upon lengthy conversations with my cousin, who is in the process of becoming a bride, I was educated as to why this is the popular season for them. I'm going to share this newly found knowledge with you guys incase you're like me and clueless about weddings - I just do the cake part!
It is currently Spring (although only for a few more days), so the weather is warm enough yet not too hot yet. Summer is too hot (Dec-Feb), Winter is too cold and Autumn tends to rain too much... so there you have it! Sept -Dec seems the best time to get married in Australia :)
Here's the first one:
Croquembouche - This is probably the biggest croquembouche I've made to date. It was especially ordered by a bride from Hong Kong who was coming over to Sydney for her reception. It had a whopping 180 puffs. Each filled with pastry cream then constructed together with golden toffee.
Spring Delight - The top tier was a vanilla bean custard flavour, second tier - lemon curd and vanilla and the 3rd tier was a Mango, Lychee and coconut combo. The bride had peonies for her flowers, so I used this to incorporate into the design of the cake.
Isabella - The cute stripe top tier works well with the elegance of the second tier. The second tier was based off the lace of the brides wedding dress. The 3rd tier adds a bit of edge - covered in edible silver leaf. Gumpaste peonies were also used to top off the cake. Flavours of this cake include - "Little Red Riding Hood"- Red Velvet, "Americ-Amel" - Caramel & "Gianduja" - Hazelnut.
Also, a few weeks ago... if you didn't see on my Facebook Page... my Croquembouche wedding cake got featured in Colin Cowie Weddings! I was sooo excited!! :) :) :)
Another announcement is, with the Festive season coming on we are starting to take orders for Gingerbread Houses!!
Place your order at The Dainty Baker Shop or alternatively drop me an email. But remember to hurry as there is only a select number available and you don't want to miss out!
Happy Caking!!


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One has to wonder what motivate anyone to commit crimes like this. A rash of vandalism and an increase in trespassing at three of Miami's oldest cemeteries has not only disturbed the repose of the deceased but complicated the struggle of protecting and preserving historic sites that have been neglected for years.
Thieves also steal American flags placed at soldiers' graves.
You can read more about this sad story in an article by Linda Robertson in the Miami Herald web site at: http://www.miamiherald.com/news/local/community/miami-dade/article212504519.html.
My thanks to newsletter reader Ernest Thode for telling me about this story.


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Discover hidden processes: watch a e-Golf being created at VW's 'transparent factory' in Dresden.
The glass structure of the 'transparent factory' allows you to witness the fascinating process of car production. Volkswagen has created a major centre of automotive culture that provides unprecedented insight into the production of motor cars. With its glass tower, almost 40m high and visible from afar, containing the finished cars awaiting collection, the 'transparent factory' has quickly established itself as one of Dresden's top attractions. Part of the new production site in the heart of the city on the river Elbe was a new logistics system. Specially designed trains make use of Dresden's tram network to transport prefabricated parts from the logistics centre on the outskirts of the city to the 'transparent factory'. State-of-the-art technology at the visitors' forum provides information about Volkswagen, its premium-class models and personal mobility in an exciting and interactive way. Customers collecting a car manufactured in Dresden have exclusive access to a separate part of the visitors' forum, making the handover of their new car a very special experience. The 'transparent factory' has also established a reputation as a cultural centre, hosting a wide range of events from classical music and pop to art exhibitions. Come and see this remarkable combination of production site and interactive exhibition for yourself.
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Irondale Youth Hockey Association Board Meeting Minutes
IYHA March 26, 2014 Board of Directors Meeting: Called to order 6:32 pm by Secretary Brent Eilefson
Board Members Present: Brent Eilefson, Nicki Oswald, James Sigmundik, Shari Kunza, Adam Schmidt, Bill Jacob, Tim Manson, Steve Clark, Rob Hanson, Kara Chamberlain
Board Members Absent: Tom Gombold, John Niedfeldt-Thomas, Tom Rodefeld
Guests: Andrea Neumann, Don Ortloff, others
Minutes: February meeting minutes reviewed. Rob Hanson moved to approve, Shari Kunza second. Approved.
December Board meeting minutes remain outstanding.
Board Roundtable:
President: Absent.
Vice President: Absent.
Secretary: General co-op update. No real action pending MV elections. Working to get meetings on the books. Election update: zero interest in open board positions—hoping to keep current members on board on "interim" basis for the near future, especially as we work to get the co-op off the ground.
Treasurer: Financials up to date. Still assessing unused ice and working to finalize St. Francis financials. North Metro complete. Final team bills are out to some, more to come.
Boys Program Coordinator: Has been in touch with MV counterpart.
Girls Program Coordinator: Discussed doing coach appreciation event. Provided some insight into situation with Roseville and our U14s. Roseville had agreed to take ice with girls, then seems to have forgotten that commitment. Tom is working to resolve.
Initiation Program Coordinator: General update. Has been in touch with MV counterpart.
District Representative: No March 14 meeting. April 7 is D10 annual meeting—Tim Timm is leaving. Early word is with MV co-op, we would be moved to D2. Tim to reach out to D10 to get clarity here.
Ice Commissioner: Meeting with MV counterparts next Monday. Ramsey ice due April 15. They will hash out ice need details, including LTS, Mite program, etc.
Registration coordinator: No report.
Equipment Manager: General update.
Boys HS Coach: Wants to continue Monday clinics with co-op. Is offering two summer programs—HS age and youth. See website.
Girls HS Coach: Absent.
Standing Reports:
Player and Coach Development Committee:
Lake Region:
Fundraising Committee: Perkins opportunity discussed. Allegiance Fitness, new facility across from Zero Gravity, is open—perhaps there are sponsorship or other opportunities there.
Potential Partnership Committee: Dormant.
Website Update:
Promotion and Retention Director: Tracy Henry: Discussed parades and the roll-out of an Open House/Registration Night event. Provides a deadline and some urgency to get kids registered. See draft proposal attached—maybe incorporate an equipment exchange, actrivities, make it a fun event. Work with co-op partners to make this happen once, maybe twice.
Old Business:
1. SKATE Program: Andrea provided update following event. $5500 in prizes. 44 signed up, 30 from last year did not re-sign up. Good program, Zero Gravity is a difficult venue due to noise. Discussed Perkins fundraiser. Will get more information on this.
New Business:
Shari Kunza moved to adjourn. Rob Hanson second. Adjourned at 8:15 pm.
New Privacy Policy


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People Factory Clip Art Included with Artboard 2
Mix and match this fun assortment of fully editable "People Factory" clip art. Perfect for scrap books, comics, manga, and more. The collection includes a wide assortment of emotional eyes, mouths, hairstyles, head shapes, bodies and more. These styles & clip art are among the wide assortment of fully editable vector clip art and custom styles included in the built-in Artboard Library. Note, some clip art are made from multiple objects and should be ungrouped before editing.
Terms of Use
Media (e.g., templates, clip art, styles and symbols) provided by Mapdiva LLC are licensed under a Creative Commons Attribution 3.0 Unported License unless otherwise noted. This allows licensees of Mapdiva software to reuse those media for integration within their own work, both personal and commercial; however, Mapdiva reserves fully and unconditionally all trademark, branding and redistribution rights associated with the original media. Attribution to Mapdiva.com is requested, however not required.


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USERS of methamphetamine, or "ice", are five times likelier to suffer psychotic symptoms while taking the drug, according to a groundbreaking new Australian study published in the Journal of the American Medical Association Psychiatry (JAMA Psychiatry).
The study's lead author, Dr Rebecca McKetin, said that "there have always been questions about causality from those who say methamphetamine users aren't 'turned mad' by the drug but have a pre-existing psychotic condition. What's unique about this study is that it excludes those users and still finds such a strong link between use and psychotic symptoms in a large cohort over a period of years".
Dr McKetin, formerly of the National Drug and Alcohol Research Centre in Sydney and now at the Australian National University, said she was surprised by the strength of the results but that they will "come as no surprise to police officers in Kings Cross who report anecdotally about users who will 'go mad' one day and not the next".
The authors studied 278 methamphetamine users from Sydney and Brisbane over a four-year period between 2006 and 2010. A correlation between methamphetamine use and psychosis had already been found by many studies, but it was uncertain how many of those ice-users had an existing psychotic condition, characterised by hallucinations and delusions of being persecuted. What made the present study original and significant was that it followed the users over an extended period, and it excluded anyone with existing psychotic tendencies.
In the four years the drug-users were observed, the results were compelling. The incidence of psychosis went up sharply with the amount of methamphetamine being used. When participants were abstinent, the likelihood of psychotic episodes dropped to 7 per cent; those who were using the drug one to 15 times a month had a 27 per cent likelihood of suffering an episode, and those using more than 16 times a month had a 48 per cent likelihood. Among all users, the odds of suffering a psychotic episode were 5.3 times greater when they were using than when they were abstinent.
These were all people who had not been sufferers before. Of those episodes, 71 per cent involved suspiciousness and paranoia, 51 per cent were hallucinations, and 35 per cent included periods of delusional thinking. There was a strong connection between psychoses and polydrug use (most of the subjects also smoked cannabis and tobacco and drank alcohol frequently), but once these factors were adjusted for, there remained a link between psychosis and methamphetamine use.
Given the strength of the connection between heavy use and psychosis, the authors wrote, "there is a good argument for providing methamphetamine treatment as a first-line intervention to reduce rates of psychosis among this population". At present, users suffering a psychotic episode are most likely to come into contact with hospital emergency departments and police. As well as hospitalisation, methamphetamine use has been involved in numerous crimes of violence since the drug was first widely used in Australia 15 years ago.
After a period in which legislation limiting precursor drugs such as pseudoephedrine cut the supply of ice, Dr McKetin said "there are telltale signs that methamphetamine is making a comeback in Australia". She said the key to treatment was to put users on a long-term treatment plan akin to that which is given to sufferers from paranoid schizophrenia, "instead of treating them for the episode and then turning them back onto the street".
The original release of this article first appeared on the website of Hangzhou Night Net.


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Mon - Fri 8am-5pm CST
Phone Orders
Custom Direct Thermal Labels from Pharmacy Automation Supplies (PAS) have been a rapidly growing trend in pharmacies across the country because of the workflow advantages and cost savings they offer over other formats. Our catalog of thousands of formats thermal labels offer a wide variety of functionality and versatility and can be overwhelming. If you're having trouble finding the right label for your needs, or need help deciding between direct thermal or thermal transfer (and this doesn't help), don't hesitate to contact PAS today and we'll be happy to help.
Initial orders, and all orders requiring artwork changes, incur a $75.00 set-up fee for our art department to re-create the artwork in our system and manufacture the plates that are used in production. PAS will waive this fee if a physical or high quality digital sample is provided to be copied exact. Following receipt of the complete artwork a proof will be e-mailed in 5-10 business days. With approved artwork lead times average 4 weeks for production. When submitting an initial order, please provide the colors would like your design printed in. A complete list of the stock colors that can be used for no additional charge is available in the documents tab. Custom colors not on this list may be purchased for a one-time fee of $95.00. PAS stands behind every product we manufacture/distribute and will replace, refund, or credit any product that is unusable or doesn't measure up to the highest quality standards we hold ourselves to. Custom orders are unfortunately non-refundable except for quality defect or shipping damage.
With over 100+ years of experience working with independent pharmacies we recognize the unique needs and challenges facing pharmacies and have grown accordingly. We're proud to support orders of as low as 25,000 all the way up to multi-million runs, maintain a state of the art graphic design team to assist in the design of your label, continually invest in the highest quality technology and materials used to print labels, and have a dedicated team of pharmacy support specialists dedicated to answering any questions you have and helping you manage inventory.


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Now this is something very very cool.
That's CLICompanion, and probably one of the coolest tools for Xorg-plus-CLI I've seen in a while. At least since screen-plus-yakuake.
This is great if you have a lot of console commands, you're tired of working with a shell history, or you're trying new applications that need long strings of flags. Or you have a library of favorite commands, or you're comparing configuration files, or … or … or …
You get the idea. If you like the idea of command-line life, but you prefer a full graphical desktop, this is a good starting point.
If you're new to console commands, this will give you a two-click library to run them from, plus a gaggle of tabbed interfaces to experiment with.
It's not purist, you're not taking much of a stand for minimalism and it's not going to win you any geek points from the office IT staff. Those guys and girls will always know more than you, and they won't let you forget it. 😈
But it's ridiculous fun, easy as pie to manage and doesn't require much more effort beyond point-and-click to get started.
Get to work importing your library of favorite commands. This will probably make them a little more fun again. Or at least give you another tool in your ascension to text-only Nirvana. 😀
P.S.: That's the AUR version, which seems to hide the executable in an odd place — /usr/share/applications/clicompanion/clicompanion. Or at least it was odd for me. I believe there is an Ubuntu version; no hints on where that executable is. 🙂


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Received my make up bag today from 12 days of xmas contests tysm all the staff and clients at @afford. You guys are amazing
A truly wonderful organisation. Afford make incredible differences in the lives of people with disability every day — they go the extra mile every time and are always a pleasure to deal with. Keep up the awesome work!
Afford was our savour after we had a bad time. Afford helped Steven get a job and some self esteem, something he really need! They have helped him in every way. He still goes to the Blacktown lifestyle centre.
I love my room here. I chose the colours myself. I also love my bike, my bed and my own TV. It's my own space to be myself.
I will always be grateful to the Afford staff for all their help they gave me, and keep giving Luis (and me) following his transplant. It was an extremely stressful time and they worked with me to make sure that Luis' health, his physical and emotional needs were met. For Luis, the opportunity to spend time with others and enjoy activities has really made a difference in his life.
Afford Liverpool are very persistent and helpful. They never gave up on me. I love my job. It's really empowering to do something I enjoy, top build on my skills and it's really boosted my confidence.
I loved travelling to Disneyland. It was a ten year dream that I had and I had such a great time going on the rides, seeing the movie characters and having fun with my friends.
Australian Foundation for Disability. All Rights Reserved. Copyright 2020.


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Amman, 23 June 2014- Representatives of Arab governments, civil society including Somali Women Development Center (SWDC), academia, and leading think tanks, meeting in Amman, Jordan, agreed on the centrality of social cohesion in managing peaceful political and social transition in the region. This agreement came at the conclusion of a 2-day consultation convened by the United Nations Development Programme (UNDP) to support the formulation of a new regional initiative that fosters human development through contributing to long term peace and stability in the region.
"Cohesive societies are more peaceful societies," stressed UNDP Administrator, Helen Clark in her message to the consultation. "They are better able to resolve conflicts without resorting to violence, and that is vital for human development."
The concept of social cohesion has gained salience in the current Arab context as countries in the region face the challenge of finding common ground to hold their communities together at a time of fundamental change. Whether dealing with ongoing conflict or attempting to recover and rebuild after conflict, struggling with major post-revolution political transformations, or voluntarily embarking on reform processes to prevent social breakdown, Arab countries have made use of different means to preserve social cohesion.
Where some countries resorted to comprehensive and prolonged national dialogue process, others launched transitional justice initiatives including truth and reconciliation commissions. In some contexts, inclusive constitution-making processes brought together opposing groups around the common goal of rebuilding the nation.
Rather than striving for a single definition of social cohesion, participants highlighted the multiple and context-specific routes taken in the pursuit of social cohesion. What is more important is that such a pursuit is grounded in insightful analysis of the local dynamics, that it is nationally-owned and tailored to realities on the ground, and that it is inclusive and participatory.
History has shown that social cohesion can be voluntary or forced, but to promote sustainable societal harmony—a key prerequisite for human development, initiatives must be grounded in basic human rights and promote human dignity and community security. Building inter-communal trust among all groups of society, and between them and the State and its major institutions, is critical. Appreciating the participatory nature of building and sustaining social cohesion, participants highlighted the role of women and youth, not as special groups, but as social actors with their own distinct perspective and reading of reality.
Deliberations also underlined the critical role of education and the media in fostering social connectedness and countering divisiveness, polarization, and sectarianism, all of which are symptomatic of uncertainty that prevails at times of transition. To counter the rising sectarian challenges, participants stressed the positive role that religious leaders and religious institutions can and should play in promoting social peace.
Several entry points to translate the concept of social cohesion into practice were examined, including the application of a human rights-based approach and conflict analysis methodologies; rule of law and security sector reform; creating inclusive public spaces for participation of civil society organizations; and decentralization of governance structures.
To be able measure progress toward a more cohesive society, the question of developing tools, indices, and indicators on the status social cohesion, including at a regional level, received much attention.
"We are very encouraged that this consultation has validated our focus on promoting social cohesion as an emerging development priority in the Arab region," said Sima Bahous, Director of UNDP's Regional Bureau for Arab States (RBAS) in her concluding address. She saluted the pioneering effort of the consultation to discuss the prospects and challenges of social cohesion as an area of development programming stressing that "ideas and suggestions made here will help shape the proposed regional project."
The UNDP-RBAS regional project on social cohesion is expected to include knowledge and capacity development components that will support country level development programmes implemented by UNDP offices in the region, in collaboration with national counterparts.


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We've got the first trailer for 10 Years, an ensemble comedy centering on a group of friends at their high school reunion. The directorial debut of Jamie Linden (Dear John), 10 Years stars Channing Tatum as Jake, who is ready to propose to his girlfriend (Jenna Dewan-Tatum) until he runs into his old flame (Rosario Dawson) at the reunion. The film also stars Chris Pratt, Justin Long, Max Minghella, Kate Mara, Oscar Isaac, Ari Graynor and Lynn Collins. Hit the jump to watch the trailer.
Check out the new trailer for 10 Years below (via EW), followed by the official synopsis:
In this ensemble comedy, 10 Years follows a group of friends on the night of their high school reunion who, a decade later, still haven't quite grown up. Channing Tatum plays Jake, who is deeply in love with his girlfriend (Jenna Dewan-Tatum) and ready to propose—until he runs into his high school flame (Rosario Dawson) for the first time in ten years. Jake's friend Cully (played by funnyman Chris Pratt) married his cheerleader girlfriend (Ari Graynor), and has been looking forward to the reunion so he can finally apologize to all the classmates he bullied in high school. However, after a few too many drinks, the jock-turned-family man ends up reverting back to his old ways instead. Meanwhile, longtime rivals Marty (Justin Long) and A.J (Max Minghella) spend the night still trying to one-up each other to impress thecoolest girl in class (Lynn Collins), who now has a secret. The famous one of the group, Reeves (Oscar Isaac) is now well-known musician, but is still too shy to talk to the high school crush (Kate Mara) who inspired his one hit wonder.


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I got a new computer and want to transfer my version 7 software. I called the company and was told that version 7 was discontinued many years ago and the only thing I can do is use the old registration information and do the transfer on-line. I asked where the old registration info would be and I was told it was emailed to me when I originally registered the program. Man, this was over 10 years ago, how am I supposed to keep all that information? What am I supposed to do now, by a new version? That's really underhanded on the company's part.
Does anyone have any suggestions on how I can transfer the registration to my new computer?


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